|
CANADA Canada |
|
Thread Tools | Search this Thread |
05-07-2014, 05:05 PM | #1 | |
MMTT
Join Date: Aug 2013
Drives: 2019 Subaru BRZ
Location: Ontario
Posts: 130
Thanks: 7
Thanked 44 Times in 30 Posts
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Insurance companies forced to cover track day damages?
So I was looking at buying Track Day insurance and came across a porsche club thread which pointed out that the Ontario Court of Appeals actually ruled IN FAVOUR of a driver who crashed their car at a HPDE and was denied coverage by their insurer, Aviva.
Link to the ruling: http://www.canlii.org/en/on/onca/doc...11onca313.html Quote:
1.4.6 You agree not to use or allow anyone to use the automobile in a race or speed test or for any illegal trade or transportation. So since a track day is not 'timed' it is not a speed test or a race. Thoughts? |
|
05-07-2014, 05:13 PM | #2 |
Senior Member
Join Date: Aug 2013
Drives: white Sport-tech
Location: Ontario
Posts: 676
Thanks: 204
Thanked 320 Times in 149 Posts
Mentioned: 2 Post(s)
Tagged: 1 Thread(s)
|
I think id like to see a few other people crash without insurance first, go try it.
Probably a fluke, and if he had to take insurance companies to court, wonder how much that cost him. |
05-07-2014, 05:15 PM | #3 | |
i'm sorry, what?
Join Date: Jan 2012
Drives: Canada
Location: I rock a beat harder than you can beat it with rocks
Posts: 4,399
Thanks: 357
Thanked 2,506 Times in 1,268 Posts
Mentioned: 40 Post(s)
Tagged: 3 Thread(s)
|
Quote:
He won the battle, but probably lost the war. I'd like to know if this person was able to get insurance at reasonable rates from regular insurers
__________________
don't you think if I was wrong, I'd know it?
|
|
05-07-2014, 05:16 PM | #4 |
Senior Member
Join Date: Oct 2013
Drives: frs
Location: philly
Posts: 562
Thanks: 18
Thanked 310 Times in 182 Posts
Mentioned: 4 Post(s)
Tagged: 0 Thread(s)
|
it matters if its a timed event thats why people get covered during hpde events in the ones i have seen, but im sure every insurance is different id just trailer it home and say i crashed.
|
05-07-2014, 05:20 PM | #5 | |
i'm sorry, what?
Join Date: Jan 2012
Drives: Canada
Location: I rock a beat harder than you can beat it with rocks
Posts: 4,399
Thanks: 357
Thanked 2,506 Times in 1,268 Posts
Mentioned: 40 Post(s)
Tagged: 3 Thread(s)
|
Quote:
and good luck getting a police report on a mangled car in your garage
__________________
don't you think if I was wrong, I'd know it?
|
|
05-07-2014, 06:32 PM | #6 | |
MMTT
Join Date: Aug 2013
Drives: 2019 Subaru BRZ
Location: Ontario
Posts: 130
Thanks: 7
Thanked 44 Times in 30 Posts
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Quote:
It depends what the details on how they can consider you "high risk". Not paying insurance, crashing a lot, convictions can make you high risk, but arguing with your insurance company can't. |
|
05-07-2014, 06:48 PM | #7 |
Member
Join Date: Feb 2014
Drives: '14 Whiteout FR-S
Location: Canada
Posts: 75
Thanks: 2
Thanked 20 Times in 10 Posts
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
I had heard about this case before but half assumed insurance companies would have covered that hole by now.
That being said, there was an engineer at my employer who was one of the earlier adopters and crashed his FR-S at Cayuga a month into ownership. Rumour has it he got his insurance to pay for it... |
05-07-2014, 08:57 PM | #8 |
MMTT
Join Date: Aug 2013
Drives: 2019 Subaru BRZ
Location: Ontario
Posts: 130
Thanks: 7
Thanked 44 Times in 30 Posts
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
I'm going to email FSCO and find out, my understanding is that all insurance offerings basically have to match the O.A.P and they can't change it, so since the O.A.P doesn't exclude HPDE then they can't.
|
05-07-2014, 09:55 PM | #9 | |
Senior Member
Join Date: Jul 2012
Drives: 2013 Asphalt FR-S Manual
Location: Whitby, ON, Canada
Posts: 6,716
Thanks: 7,875
Thanked 3,351 Times in 2,134 Posts
Mentioned: 99 Post(s)
Tagged: 1 Thread(s)
|
Quote:
__________________
Light travels faster than sound, so people may appear to be bright until you hear them speak... flickr |
|
05-08-2014, 01:33 AM | #10 |
Senior Member
Join Date: May 2012
Drives: WRB BRZ
Location: Richmond Hill, ON
Posts: 164
Thanks: 4
Thanked 31 Times in 19 Posts
Mentioned: 4 Post(s)
Tagged: 0 Thread(s)
|
Regular insurance companies (at least in Ontario) cannot arbitrarily come up with reasons to deny you insurance, or deny you for whatever reason they want. They can only deny you insurance if you fall into the denial rules approved by FSCO.
|
05-08-2014, 08:22 AM | #11 |
Senior Member
Join Date: Oct 2013
Drives: frs
Location: philly
Posts: 562
Thanks: 18
Thanked 310 Times in 182 Posts
Mentioned: 4 Post(s)
Tagged: 0 Thread(s)
|
|
05-08-2014, 08:35 AM | #12 |
i'm sorry, what?
Join Date: Jan 2012
Drives: Canada
Location: I rock a beat harder than you can beat it with rocks
Posts: 4,399
Thanks: 357
Thanked 2,506 Times in 1,268 Posts
Mentioned: 40 Post(s)
Tagged: 3 Thread(s)
|
so they're just going to take your word for it?
granted i don't know much about the insurance process, but given the recent crackdowns on fraud i doubt something like this would work for anything other than a fender bender. if you roll your car i think questions will be asked.
__________________
don't you think if I was wrong, I'd know it?
|
05-08-2014, 08:38 AM | #13 |
Senior Member
Join Date: Oct 2013
Drives: frs
Location: philly
Posts: 562
Thanks: 18
Thanked 310 Times in 182 Posts
Mentioned: 4 Post(s)
Tagged: 0 Thread(s)
|
yes they take your word for it unless it seems super suspicious, but if you are saying i crashed into an object and towed the car home myself there isn't much questions. You pay your deductible and get your car fixed, i am an auto claims adjuster and can tell you you really would not have much trouble doing this.
|
05-08-2014, 08:42 AM | #14 |
i'm sorry, what?
Join Date: Jan 2012
Drives: Canada
Location: I rock a beat harder than you can beat it with rocks
Posts: 4,399
Thanks: 357
Thanked 2,506 Times in 1,268 Posts
Mentioned: 40 Post(s)
Tagged: 3 Thread(s)
|
__________________
don't you think if I was wrong, I'd know it?
|
|
|
|
|
Similar Threads | ||||
Thread | Thread Starter | Forum | Replies | Last Post |
Track day request forced inductees only | kiichiro | Forced Induction | 1 | 03-23-2014 08:30 PM |
Must have hit something. Will insurance cover this? | retrosmiths | Scion FR-S / Toyota 86 GT86 General Forum | 21 | 05-24-2013 03:00 PM |
Little insurance for track days | jdzumwalt | Tracking / Autocross / HPDE / Drifting | 0 | 03-20-2013 11:27 PM |
Will Insurance cover aftermarket parts? | mickey177 | Scion FR-S / Toyota 86 GT86 General Forum | 9 | 07-04-2012 05:54 PM |
Insurance for track days? | Hanakuso | Tracking / Autocross / HPDE / Drifting | 24 | 06-25-2012 08:19 AM |